TY - JOUR
T1 - Disability Management, Employee Health and Fringe Benefits, and Long-Term-Disability Claims for Mental Disorders
T2 - An Empirical Exploration
AU - Salkever, David S.
AU - Goldman, Howard
AU - Purushothaman, Mohankumar
AU - Shinogle, Judith
PY - 2000
Y1 - 2000
N2 - Mental disorders account for a large share of claims and benefit costs in both private and public long-term-disability (LTD) insurance programs. This is the first empirical study to explore factors that may explain variations in private-sector LTD claims incidence and cost across groups of employees. Employee fringe-benefit arrangements, including patterns of coverage for mental health treatment, are found to be important predictors of incidence rates. Award rates for public disability insurance coverage (SSDI) are also strongly related to claims incidence, suggesting that private LTD is an important pathway to SSDI benefits. Some employee disability-management strategies, such as front-line manager involvement and provision of alternative jobs for employees returning from disability leave, are predictive of lower claims rates and/or costs.
AB - Mental disorders account for a large share of claims and benefit costs in both private and public long-term-disability (LTD) insurance programs. This is the first empirical study to explore factors that may explain variations in private-sector LTD claims incidence and cost across groups of employees. Employee fringe-benefit arrangements, including patterns of coverage for mental health treatment, are found to be important predictors of incidence rates. Award rates for public disability insurance coverage (SSDI) are also strongly related to claims incidence, suggesting that private LTD is an important pathway to SSDI benefits. Some employee disability-management strategies, such as front-line manager involvement and provision of alternative jobs for employees returning from disability leave, are predictive of lower claims rates and/or costs.
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U2 - 10.1111/1468-0009.00162
DO - 10.1111/1468-0009.00162
M3 - Article
C2 - 10834082
AN - SCOPUS:0033649335
SN - 0887-378X
VL - 78
SP - 79
EP - 114
JO - Milbank Quarterly
JF - Milbank Quarterly
IS - 1
ER -